New from Prudential: Level Term Life to Age 65

Despite gloomy economic forecasts, there are a variety of options for investors. Because annuities are tax-deferred, they are often an attractive choice.
An annuity is created when an insured party gives life insurance companies money that gets distributed back to the insured party over a certain period of time.
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A new announcement from the National Fire Protection Association (NFPA) is reminding people to protect themselves and loved ones by being sure that their homes are equipped with a sufficient number of smoke alarms.Full Story »

No matter your age or lifestyle, there are some risks that can’t be avoided. Whether it’s concerning your job, gender or physical condition, risks affect your life and your insurance rates.
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It seems to be a common theme of ordinary whole life coverage that each benefit helps supply another one.
The entirety of a contract provides lifelong protection. Due to the length of time you are covered, the regular premium payments can be spread out so that you can pay them at a lower cost. These level premium payments then allow for the policy to accumulate a reserve of cash that can be used at a later time to take out a loan on a house or pay for college tuition.
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Edward Graves, author of “McGill’s Life Insurance” recommends using your life insurance policy as an immediate source of cash to help replace damaged property and address unplanned emergencies.
While some families might have the funds necessary to cover everything, the immediate cash from a life insurance policy can be a lifesaver for others.
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